Online Banking Security

Online Security

Banking security resources and information


Browser and Device Requirements

We take your security very seriously. That's why our online and mobile banking services require that you use a supported device and browser to access your financial information. Current requirements are detailed on this page.

If you have questions or need assistance updating your browser, please contact us during business hours at (314) 851-6200.


Technology Recommendations

Web browsers and operating systems are key components to keeping your information secure. As online fraud and theft evolve, the companies that provide web browsers and operating systems continually release patches to help keep you one step ahead of the fraudsters. It is vital that individual users, like you, routinely apply those system upgrades to keep the information you access from your smartphone, tablet, and computer safe.

  • Always use the most current version of each web browser and operating system when you access online banking.
  • Never jailbreak or root your mobile device or use a jailbroken or rooted device to access your financial information.
  • Monitor your account frequently and set up security alerts so you are notified immediately if suspicious activity occurs.
  • Enable biometric authentication, such as touch ID or Face ID, on the mobile device you use to access online banking can help prevent unauthorized access to your accounts.

MoneyiQ Financial Literacy Resources

Videos to learn helpful information about money, banking, ID theft prevention and more!


Important Information

Confidential Information

Your online security is of the utmost importance. We will never contact you and ask for your password or any other confidential information. If you receive an email, phone call, or pop-up window requesting unusual information, contact us immediately at (314) 851-6200.

Browsers Supported

Browser support is subject to change, so we encourage users to configure browsers for automatic browser updates. Always use the latest version of your browser for the most secure experience.

Google Chrome (current and previous two versions) is the recommended browser for Microsoft Windows and MacOS.

Mozilla Firefox (current and previous two versions) is supported for use on both Microsoft Windows and MacOS.

Microsoft Edge (current and previous versions) is supported for use on Microsoft Windows but is not supported for use on MacOS.

Safari (current and previous two versions) is not supported for use on Microsoft Windows but is supported for use on MacOS.

For the most secure and consistent experience on mobile devices and tablets, download our Android or Apple application from your app store.

Browser Cookies

The use of special cookies is the most common way that banking systems can uniquely register the device or computer you normally use to access your accounts. Whenever you connect to online banking, the system uses these encoded cookies to verify that this is one of the registered computers that you use for access. If that cookie is not present, then the system understands there is a greater risk that your credentials may be under the control of someone other than you, so the system requires you to receive and enter a one-time Secure Access Code. This code can be delivered to your phone number, mobile device, or e-mail account. You will also have the opportunity to register the computer being used to avoid having to receive a Secure Access Code each time you log in. Beginning 1/2/2024, Secure Access Codes will no longer be available via e-mail.

Email Security

Email is not a secure form of communication. Unlike Online Banking, it does not use SSL encryption, so please never send anyone sensitive information such as your social security number or account number via email. We will never ask for sensitive information via email. Beware of phishing attempts. If something seems suspicious, give us a call directly at (314) 851-6200.

Fraud Prevention

  • Check your accounts regularly and often
  • If you notice anything suspicious on your accounts call us immediately at (314) 851-6200
  • Sign up for alerts to help you detect suspicious activity
  • Keep documents such as your social security card or passport in a secure area at home or in a safety deposit box
  • Review your credit report at least once a year
  • Shred private documents such as receipts, applications, bank statements, etc.
  • Never provide personal information, access to your computer, or transfer money based on unsolicited calls, text, or emails.
  • Do not access your banking or other sensitive online information on a public wifi network

Alerts and Notifications

Please review your online and mobile banking alert settings.

There are 5 types of alerts you can expect to receive via our online banking system:

1. Account Alerts notify you when the balance in one of your accounts drops below, meets, or rises above a specified threshold.

2. History Alerts review your account transaction history and let you know when a specified check number posts, a credit or debit transaction is greater than or less than an amount that you specify posts, or a transaction description matches text that you specify posts.

3. Transaction Alerts notify you when a transaction is generated via Online or Mobile Banking.

4. Reminders will alert you when a specific event is taking place, such as a meeting or appointment.

5. Security Alerts inform you when a security-related event occurs. You may turn most of these On or Off if you wish, but some are configured by us to be permanently enabled.

Processing Deadlines

ACH Payments

- Batch Origination 4:00 PM

- Same-day ACH 2:00 PM


Positive Pay

- Check Positive Pay 4:45 PM (transmit issued check information)

- Check & ACH Positive Pay 6:00 AM (exception items available)

- Check & ACH Positive Pay 12:00 PM (exception item decision deadline)


Wire Transfers

- Domestic Wire Transfer 4:00 PM

- International Wire Transfer 2:00 PM


Other Online Banking Functions

- Stop Payment 5:00 PM

- Internal Account Transfer 5:00 PM

- Loan Transfer 5:00 PM

Frequently Asked Questions



What is a Secure Access Code (SAC)?

A Secure Access Code (SAC) is a unique, single-use 6-digit code that protects against fraud by safeguarding your online transactions and sensitive information. A SAC is another level of authentication in addition to your Login ID and password, providing you stronger online security. 

 How will my SAC be sent to me?

You choose how you want to receive your SAC: by text or phone. We need your current contact information for you to receive your SAC.

Do I have to enter a SAC every time I log in or conduct an online transaction? 

No, you will have the option to “register” your computer or device upon your first log-in to the new system. Once your computer or device is registered, you will skip the SAC requirement when you log in again. For maximum security, we recommend keeping the SAC requirement.

 I'm enrolled in Online Banking. Can I use my Online Banking Log in credentials for Mobile Banking?

Yes. Online and Mobile Banking is one seamless user experience utilizing a single User ID and Password. 

 How do I access Mobile Banking?

Mobile Banking is available to everyone. Simply download the Saint Louis Bank mobile app and follow the on-screen prompts. 

 Is Mobile Banking secure?

Yes, our Mobile Banking service utilizes best-practice security services such as HTTPS, TLS encryption, password access, biometrics, and application time-out when not in use. Only the phones that you enroll can access your bank accounts and no account data is ever stored on your phone. 

 How do I access Mobile Banking on my mobile phone's browser?

After successful enrollment in mobile banking, your phone will receive a text message with your Mobile Banking URL. 

 Can I still use Mobile Deposits?

Yes. The mobile app allows you to make mobile deposits by taking photos of the front and back of the check. Once you have the image lined up in the viewer, click the camera icon in the upper right corner to take the photo. 

 Can I access Bill Pay through Mobile Banking?

Yes. You will have the ability to send payments from your mobile device. 

 Is your Mobile Banking app supported on my mobile phone?

Our Mobile Banking is supported on most iPhone®, iPad®, and Android devices. You can also access our Online Banking by using a mobile web browser like Safari, Google Chrome, or Microsoft Edge.  

What are the password requirements?

Passwords for Online and Mobile Banking require the following:

At least 1 lower case

At least 1 upper case

At least 1 number

At least 1 special character

A minimum of 10 characters and a maximum of 50 characters 

 How do I change my password?

Log in to Online Banking. Select Security Preferences under the Services menu. Select Change Password. Enter your old password, create a new password, and confirm your new password following the onscreen password criteria. If you have forgotten your password, click "Forgot your password?" on the login screen and follow the steps.

 Can I change my login name?

 Yes, once you have successfully logged into the online banking system for the first time, you can update your preferred contacts via the Settings > Security Preferences menu. Under this menu, you can change your login name, and password or set up additional Security Access methods.

How do I update my contact information? 

You can update your contact information in Online Banking. Log in and select the Services tab to view and edit your contact information including mobile phone number and email address. For assistance, you can also contact us during business hours at (314) 851-6200. 

 Are there minimum browser requirements for the new Online Banking system?

Yes. You will need to use a recent version (last 2 released) of Google Chrome, Mozilla Firefox, Apple Safari, or the last version of Microsoft Edge. 

 Who do I contact if I have issues or questions?

For questions, please contact us at (314) 851-6200 between the hours of 9:00 a.m. to 5:00 p.m. CT Monday through Friday.

 Can I receive alerts?

Yes, alerts can be set up in online banking. Account, Date, History, Insufficient Funds and Transaction alerts can be established. Alerts can be delivered via the online banking system’s secure mailbox, or via email, phone, or text. Dual authorization via alerts is available to ensure transactions receive the proper approvals. 

Can I delete and add users to the system? 

If your online banking profile is set up to add users, you will be able to do so. Our Customer Service team (314) 851-6200 is happy to help with this task. 

 How many users may I add to my company?

You may add as many users as you need to cover all the roles you have assigned to your organization. 

Can dual control be enabled for Wires or ACH origination? 

Yes, you can set this up yourself or our Customer Service team (314) 851-6200 is happy to help with this task. 

Can I create an ACH origination or Wire template? 

Click on the Business Banking section of the left navigation pane in your online banking. If your company is enabled for these services, they will appear there.  

 How may I increase my Wire or ACH origination limit?

You can contact your Relationship Manager or Customer Service at (314) 851-6200 for either a temporary or permanent increase in your limit. We will be able to review this request quickly and may provide approval for the change. 

 When is the ACH cut off time each day?

The cut-off time is 4:00 p.m. CT daily, excluding weekends. 

 When is the wire transfer cut-off time each day?

The cut-off time for Domestic Wires is 4:00 p.m. CT daily, excluding weekends.

The cut-off time for International Wires is 1:00 p.m. CT daily, excluding weekends.



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